How do I calculate my take-home pay?

WorkROI calculates your take-home pay by subtracting federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%) from your gross pay. Simply enter your hourly rate or salary, hours per week, and state to get your accurate net pay.

Is overtime worth it after taxes?

It depends on your tax bracket. WorkROI's Overtime Optimizer shows you exactly how much extra you'll take home for 5, 10, 15, or 20 extra hours per week, accounting for your marginal tax rate.

How much do taxes take from my paycheck?

On average, taxes take 25-35% of your gross pay, including federal income tax (10-37%), FICA taxes (7.65%), and state income tax (0-13% depending on your state). WorkROI shows you the exact breakdown.

WorkROI - Take-Home Pay Calculator | Know Your Real Paycheck

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Tired of Paycheck Surprises?

You expected $2,000 but got $1,450
You don't know if overtime is worth it
Job offers confuse you with gross vs net
Moving states? No idea how taxes change

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WorkROI Makes It Crystal Clear

Instant calculations - Enter your info in 30 seconds
Accurate taxes - Federal, state, Social Security, Medicare
Smart tools - Overtime optimizer, job comparison, state comparison
No login required - Your data stays on your phone

Features

Everything You Need to Maximize Your Earnings

Powerful tools designed specifically for hourly workers who want to take control of their finances.

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Take-Home Calculator

Enter your hourly rate or salary and instantly see your monthly and annual take-home pay after all taxes.

Free

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Overtime Optimizer

See exactly how much extra you'll take home for 5, 10, 15, or 20 overtime hours. Know your real hourly rate after taxes.

Premium

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Job Comparison

Compare up to 5 job offers side-by-side. See which one actually pays more after taxes, not just on paper.

Premium

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State Comparison

Moving to a new state? Compare how your take-home pay changes across all 50 states instantly.

Premium

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Tax Breakdown

See exactly where every dollar goes: federal income tax, state tax, Social Security, and Medicare.

Premium

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401(k) Planning

Calculate the impact of pre-tax 401(k) contributions on your take-home pay and taxes.

Free

How It Works

Get Your Results in 30 Seconds

No signup required. No complicated forms. Just quick, accurate answers.

Enter Your Pay

Hourly rate or annual salary - we handle both. Add your hours per week.

Select Your State

Pick your state and filing status. We calculate federal, state, and FICA taxes automatically.

See Your Take-Home

Get your monthly and annual take-home pay instantly. Explore tools to maximize earnings.

Reviews

Loved by Workers Everywhere

★★★★★

"Finally an app that shows me what I'll actually bring home. No more paycheck surprises!"

Mike R. Construction Worker

★★★★★

"Used the overtime optimizer to figure out if extra shifts were worth it. Game changer for my finances."

Sarah T. Nurse

★★★★★

"Compared 3 job offers and picked the one that actually paid more after taxes. Saved me from a bad decision!"

Carlos M. Warehouse Manager

Pricing

Start Free, Upgrade When Ready

Basic calculator is always free. Premium unlocks powerful tools to maximize your earnings.

Free

$0/forever

✓ Take-home pay calculator
✓ All 50 state tax calculations
✓ 401(k) contribution planning
✓ Filing status options
✕ Detailed tax breakdown
✕ Overtime optimizer
✕ Job comparison (5 offers)
✕ State comparison

Get Started Free

Premium

$4.99/month

or $24.99/year (save 58%)

✓ Everything in Free
✓ 7-day free trial
✓ Detailed tax breakdown
✓ Overtime optimizer
✓ Compare up to 5 job offers
✓ All 50 state comparisons
✓ Save unlimited comparisons
✓ Annual income forecasts

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FAQ

Frequently Asked Questions

WorkROI uses the 2024 IRS tax brackets for federal income tax, current FICA rates (6.2% Social Security + 1.45% Medicare), and up-to-date state income tax rates for all 50 states. Our calculations match what you'd see on an official paycheck within a few dollars.

No! WorkROI works without any login or signup. Your data is stored locally on your device and never sent to any server. We respect your privacy completely.

It depends on your tax bracket! While overtime pay is taxed at the same rate as regular income (not a special higher rate), working more hours can push you into a higher bracket. Our Overtime Optimizer shows you exactly how much extra you'll take home for different overtime scenarios.

The free version includes our core take-home pay calculator with support for all 50 states, both hourly and salary calculations, 401(k) contributions, and all filing statuses. Premium adds detailed breakdowns, the overtime optimizer, job comparison, and state comparison tools.

Yes, absolutely! You can cancel your subscription at any time through your App Store or Google Play settings. If you cancel, you'll keep access until the end of your billing period. We also offer a 7-day free trial so you can try all premium features risk-free.

Yes! While we designed WorkROI with hourly workers in mind, it works perfectly for salary employees too. Just enter your annual salary instead of hourly rate, and we'll calculate your take-home pay the same way.

Know Your Real Take-Home Pay

Tired of Paycheck Surprises?

WorkROI Makes It Crystal Clear

Everything You Need to Maximize Your Earnings

Take-Home Calculator

Overtime Optimizer

Job Comparison

State Comparison

Tax Breakdown

401(k) Planning

Get Your Results in 30 Seconds

Enter Your Pay

Select Your State

See Your Take-Home

Loved by Workers Everywhere

Start Free, Upgrade When Ready

Free

Premium

Frequently Asked Questions

Ready to Know Your Real Pay?